COVID-19 Guide

The COVID-19 pandemic poses unprecedented challenges for nearly everyone. At Farmers’ Legal Action Group, our top priority is supporting family farmers and their communities so that farmers can stay on the land. Although our offices are closed to the public during this crisis, FLAG’s attorneys and staff are working full time to help farm families face the stresses of dealing with COVID-19 and its legal and financial consequences.

For free legal services and support, farmers can call our national toll-free hotline at 877-860-4349.

PPP Application Deadline is Coming June 30—Recent Changes Make Loans More Favorable to Farmers

The deadline for a COVID-19 relief program that can be useful to many farmers is Tuesday, June 30, 2020.

The Paycheck Protection Program (PPP) is run by the Small Business Administration (SBA). Farmers who have not already applied may want to consider applying for PPP, in part because recent changes to the rules may make the program more appealing to farmers.

Under PPP, self-employed people, including farmers, can receive low-interest loans that may be forgiven. The loans are fully forgiven if the farmer spends at least 60% of the loan money on payroll costs (including wages and certain employee benefits) over the next 24 weeks. The remainder must be spent on rent, utilities, or mortgage interest payments in order to be fully forgiven. To the extent the PPP loan is not forgiven, the interest rate is 1% and the repayment period is five years. There are no collateral requirements. In other words, even if the PPP loan is not forgiven, the loan terms are more favorable than the terms of many farm loans.

One important barrier for farmers that hope to use PPP is that the farmer must show a net farm profit on a 2019 IRS Form 1040 Schedule F. If the farmer shows a net farm loss on the 2019 Schedule F, the farmer is not eligible for PPP.

In sum, for many farmers a PPP loan can be a good option, and the deadline to apply is Tuesday, June 30, 2020. Farmers must apply through a lender. A copy of the PPP application, as well as a list of eligible lenders making PPP loans, can be found at:


Updated Farmers’ Guide to the Coronavirus Food Assistance Program (CFAP) June 17, 2020

On June 17, 2020, Farmers’ Legal Action Group published an updated Farmers’ Guide to Coronavirus Food Assistance Program (CFAP). There have been a number of changes to the CFAP program since the first edition of this Guide was published on May 29, 2020. These include a new Handbook that USDA released that governs CFAP, and new rules in the Federal Register. That has meant changes to commodity eligibility, for example, and to the sort of documents that USDA expects farmers to have when they apply for CFAP. Some of the changes, unfortunately, have been confusing and contradictory. In addition, this Second Edition of the Guide includes more information on the possibility of farmer appeals of USDA decisions on CFAP, as well as on USDA’s discrimination complaint process.

Updated Farmers’ Guide to CFAP the Coronavirus Food Assistance Program June 17, 2020


FLAG’s most recent Farmers’ Guide to COVID-19 Relief can be found at the link below.

Updated Farmers’ Guide to COVID-19 Relief April 27, 2020


Also see a quick summary of COVID-19 relief for farmers below, published in collaboration with our partners at Farm Aid, the Indigenous Food & Agriculture Initiative, the Intertribal Agriculture Council, Rural Advancement Foundation-International, and the National Sustainable Agriculture Coalition.

Navigating COVID-19 Relief for Farmers




Farmers’ Legal Action Group is a nonprofit law center dedicated to providing legal services and support to family farmers and their communities in order to help keep family farmers on the land.